Save 100k good hygiene
Good Credit Hygiene Saves Over $100K On Typical Mortgage
Many services are available to give Canadians free access to their credit scores, but the problem is they all provide different results. No industry standards exist to ensure credit score ...
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Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right team members, it's helpful to know ...
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First Time Homebuyer? The Government Wants To Give You Money.
First Time Homebuyer? The Government Wants To Give You Money.
How to get your share of government financial incentives available Canadian first time homebuyers. There's lots available, but in most cases you need to ask for what you're entitled to ...
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Recent Articles

Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right team members, it's helpful to know ...
Read More
Your Down Payment
Why You Need A Down Payment Strategy
Having the right down payment strategy can save you a lot of money in the long term, and pay back with more equity growth in your new home. Learn the ...
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Mortgage Lingo You Need To Know
Mortgage Lingo You Need To Know
Glossary and explanation of important mortgage terms, with links to relevant articles that discuss the nitty gritty. Links to related concepts make this glossary a great learning tool ...
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Mortgage Pre-Approval FAQs
Mortgage Pre-Approval FAQs
Mortgage pre-approval is essential to knowing what your affordability range is before you make an offer to purchase a home. We explain how lenders decide what you can afford and ...
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COVID-19

improve credit in canada fast
How to Fix or Rebuild Credit Fast in Canada
Situations often arise where a new mortgage application, or car loan/lease, is impacted by a credit score that's lower than ...
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Financial Wellbeing
COVID-19 Impact on Canadians’ Financial Well-Being
Running commentary and news updates on COVID-19's impact on banking, real estate, mortgages, government relief programs, personal credit, and other ...
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EI/CERB Updates
COVID-19 EI Benefits and CERB Updates — Q & A from Soc...
Stay at home orders have forced many Canadians to be temporarily out of work and collecting government benefits for the ...
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Renew Mortgage
COVID-19 Q & A: Is It Possible to Renew a Mortgage While In ...
A reader asks whether COVID-19 has affected her ability to renew a mortgage while still in a consumer proposal, and ...
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Financial Q&A
COVID-19 Financial Questions and Answers
A running thread of reader questions and our answers and research about the impact of COVID-19 on your finances ...
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Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand and Costs
Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand ...
Adjusting to a post COVID-19 world, many things will be different, some permanently. We analyze how Canadian housing markets, including ...
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mortgages 101 700450X THUMBNAIL
Mortgages 101 — What You Need to Know Before Applying For a...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it ...
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Mortgage Stress Test
How To Bypass Canada’s Mortgage Stress Test When It Gives a...
Canada's mortgage stress test was designed to help ensure Canadians don’t overstep their financial means. However, there are special cases ...
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mortgage pre approval 700450X THUMBNAIL (2)
Mortgage Pre-Approval In Canada: What It Is & How To Get It
Mortgage pre-approval is used by lenders to “vet” borrowers and estimate spending ability for a home purchase. Seven factors determine ...
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first time 700450X THUMBNAIL
First Time Home Buyers Ontario: Everything You Need to Buy Your F...
In this primer for first time homebuyers, we examine how you know you're ready to take the leap, 7 steps ...
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review credit history 700450X THUMBNAIL
You Must Review Your Credit History Before a Mortgage
Discovery of errors on a credit report at the last minute could have cost homebuyers the home they wanted if ...
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All Articles

Ready To Buy A Home? How To Assemble A Great Support Team
Ready To Buy A Home? How To Assemble A Great Support Team
Everyone needs a home-buying support team that includes a real estate agent, mortgage specialist, and real estate lawyer. As you search for the right ...
Read More
Your Down Payment
Why You Need A Down Payment Strategy
Having the right down payment strategy can save you a lot of money in the long term, and pay back with more equity growth ...
Read More
Mortgage Lingo You Need To Know
Mortgage Lingo You Need To Know
Glossary and explanation of important mortgage terms, with links to relevant articles that discuss the nitty gritty. Links to related concepts make this glossary ...
Read More
Mortgage Pre-Approval FAQs
Mortgage Pre-Approval FAQs
Mortgage pre-approval is essential to knowing what your affordability range is before you make an offer to purchase a home. We explain how lenders ...
Read More
Why Is My Mortgage Application Declined?
Why Is My Mortgage Application Declined?
Mortgage #FAILS. Learn the underwriting risk factors that lenders use when evaluating your mortgage application, and the top 10 reasons why you may not ...
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First Time Homebuyer? The Government Wants To Give You Money.
First Time Homebuyer? The Government Wants To Give You Money.
How to get your share of government financial incentives available Canadian first time homebuyers. There's lots available, but in most cases you need to ...
Read More
High Ratio Mortgages Explained
High Ratio Mortgages Explained
'High ratio mortgage' is a term many first time homebuyers haven't heard before, and often they don't understand how much it impacts what they ...
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Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand and Costs
Aftermath of COVID-19: Dramatic Shifts in Housing Supply, Demand ...
Adjusting to a post COVID-19 world, many things will be different, some permanently. We analyze how Canadian housing markets, including supply, demand and costs ...
Read More
10 Things Feature Images
Top 10 Things Your Home Buying Budget Needs To Include (In Additi...
How Do You Ensure Your Homebuying Budget Covers Everything You'll Need For Closing Day? Buyers quickly learn it's much more than just coming with ...
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CMHC'S IMPACT 700450X THUMBNAIL (1)
How Will Borrowers Be Impacted By CMHC’s Tougher Canadian M...
With a shell-shocked COVID-19 Canadian economy as backdrop, CMHC moved to tighten lending standards for insured mortgages. New rules for CMHC-insured mortgages are intended ...
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mortgages 101 700450X THUMBNAIL
Mortgages 101 — What You Need to Know Before Applying For a...
Most first-time buyers lack sufficient funds to purchase their home outright and require loan financing (a mortgage) to make it work. In this article, ...
Read More
Mortgage Stress Test
How To Bypass Canada’s Mortgage Stress Test When It Gives a...
Canada's mortgage stress test was designed to help ensure Canadians don’t overstep their financial means. However, there are special cases where it makes sense ...
Read More
Is Mortgage Pre-Approval Worth It
Is Mortgage Pre-Approval Worth It
Whether shopping for a new home, have a mortgage renewal coming up, want to refinance or just want to know how much you're able ...
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mortgage pre approval 700450X THUMBNAIL (2)
Mortgage Pre-Approval In Canada: What It Is & How To Get It
Mortgage pre-approval is used by lenders to “vet” borrowers and estimate spending ability for a home purchase. Seven factors determine the amount, both for ...
Read More
first time 700450X THUMBNAIL
First Time Home Buyers Ontario: Everything You Need to Buy Your F...
In this primer for first time homebuyers, we examine how you know you're ready to take the leap, 7 steps to become a homeowner, ...
Read More
Text Overlay: The Single Biggest Mistake Made By First Time Buyers with Background: Image of a small couch with white cushion and blue pillow
The Single Biggest Mistake Made By First Time Home Buyers
Can You Guess The Biggest Mistake First Time Home Buyers Frequently Make? Hint: It’s NOT choosing the wrong paint colour! As a first time ...
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What You Need to Know About Mortgage Co-signing
What You Need to Know About Mortgage Co-signing
Thanks to tighter mortgage qualification rules and higher-priced real estate—particularly in the greater Vancouver and Toronto areas—it’s not always easy to qualify for a ...
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How To Pay Your Property Taxes
How To Pay Your Property Taxes
Property tax bills come in three separate chunks throughout the year. But what is the best–easiest, smartest, fastest way to pay your property taxes? ...
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ASKROSS Answers: As A First Time Home Buyer, How Do I Use My RRSP For Part Of My Down Payment?
ASKROSS Answers: As A First Time Home Buyer, How Do I Use My RRSP...
A first time buyer with questions about tapping into their RRSP when buying their first home comes up quite often. It’s quite easy actually ...
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ASKROSS Decodes Mortgage Lingo: Loan To Value And High Ratio
ASKROSS Decodes Mortgage Lingo: Loan To Value And High Ratio
Here we explain what “loan to value ratio” means, and also the all important “hi ratio mortgage”. This is when your down payment is ...
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